X0202 SCHEDULE 13G/A 0001193125-25-272619 0001894163 XXXXXXXX LIVE 1 Class A Common Stock, par value $0.00001 per share 06/30/2026 0002067129 Neptune Insurance Holdings Inc. 64073B103 400 6TH ST S ST. PETERSBURG FL 33701 Rule 13d-1(d) FTV VII, L.P. DE 0 16310781 0 16310781 16310781 N 17.19 PN The reported percentage is calculated based upon 94,895,913 shares of Class A common stock ("Common Stock") outstanding as of April 27, 2026, as reported by the Issuer in its Quarterly Report on Form 10-Q ("Form 10-Q") filed with the Securities and Exchange Commission ("SEC") on April 29, 2026. FTV-NE Aggregator, LLC DE 0 16310781 0 16310781 16310781 N 17.19 OO The reported percentage is calculated based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. Growth VII-Centre, L.P. DE 0 16310781 0 16310781 16310781 N 17.19 PN The reported percentage is calculated based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. FTV Management VII, L.P. DE 0 16310781 0 16310781 16310781 N 17.19 PN The reported percentage is calculated based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. Neptune Insurance Holdings Inc. 400 6TH STREET S, SUITE 2, ST. PETERSBURG, FLORIDA 33701 This statement is filed by the entities and individuals listed below, all of whom together are referred to herein as the "Reporting Persons": (i) FTV VII, L.P. ("FTV VII") (ii) FTV-NE Aggregator, LLC ("FTV-NE Aggregator") (iii) Growth VII-Centre, L.P. ("Growth VII-Centre") (iv) FTV Management VII, L.P. ("FTV Management") The principal business address of the Reporting Persons is 601 California Street, Floor 19, San Francisco, CA 94108. See responses to row 4 on each cover page Y See responses to row 9 on each cover page. The reported securities are directly held as follows: 14,325,878 by FTV VII, 992,452 by FTV-NE Aggregator and 992,451 by Growth VII-Centre. FTV-NE Aggregator is managed by FTV VII, its sole member, which is managed by FTV Management, its general partner. Growth VII-Centre is managed by FTV Management, its general partner. Accordingly, the investment committee of FTV Management exercises voting and investment discretion with respect to the reported securities. The filing of this statement shall not be construed as an admission that the Reporting Persons or any of the foregoing are the beneficial owners of any of the securities covered by this statement. The reported securities represent 17.19% of the outstanding Common Stock. Such calculation is based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. See responses to row 11 on each cover page. 17.19 See responses to row 5 on each cover page. See responses to row 6 on each cover page. See responses to row 7 on each cover page. See responses to row 8 on each cover page. Y Y Y Y Y Y FTV VII, L.P. /s/ Andy Fleischman 08/14/2026 FTV-NE Aggregator, LLC /s/ Andy Fleischman 08/14/2026 Growth VII-Centre, L.P. /s/ Andy Fleischman 08/14/2026 FTV Management VII, L.P. /s/ Andy Fleischman 08/14/2026 Exhibit 99.1 Joint Filing Agreement, dated as of November 7, 2025, incorporated by reference into this Schedule 13G. FTV VII, L.P., By: FTV Management VII, L.P., its General Partner, By: FTV VII GP, L.L.C., its General Partner. Growth VII-Centre, L.P., By: FTV Management VII, L.P., its General Partner, By: FTV VII GP, L.L.C., its General Partner. FTV Management VII, L.P., By: FTV VII GP, L.L.C., its General Partner.